Cards, bank transfer & mobile money · 180 countries

Money that moves at the speed of an idea.

Accept card payments, collect by bank transfer or mobile money, hold 60+ currencies and pay out to 180 countries. One API, settled in seconds instead of days.

CARD IN → PAYOUT · ch_8Kx2 SETTLED
Customer pays
$2,400.00
Seller receives
₦3,672,000
Card charged · Visa •••• 424200:00
Funds in Orb balance00:02
Payout sent · checks cleared00:04
FX locked at interbank rate00:09
Funds in recipient's wallet00:34
Paid by card in London · delivered by mobile money in Lagos
Moving money for Orchestrate Vector EBC NBS

Banks still move money like it's 1974.

Correspondent chains, cut-off windows and opaque fees. We rebuilt the rails so taking a card payment or sending a payout is a single call.

Legacy bank wire
7 days
Typical cross-border settlement, plus cut-offs, weekends and intermediary fees.
Orb
34 sec
Average time to settle, 24/7, with live status on every transfer.
Cost
−80%
Up to 80% cheaper than banks, at interbank FX rates.
Products

Collect, hold and pay out. One integration.

Payouts & Pay-ins

Pay out to and collect from 180 countries through one API, over local bank transfer and mobile money.

Bank transfer Mobile money Ramps
Explore payouts →

Accounts

Hold balances in multiple currencies and convert between them at interbank rates, with virtual and business accounts.

Virtual accounts Business accounts FX
Explore accounts →

Card payments

Accept Visa, Mastercard, American Express, Discover and local cards online. Collections land in your Orb balance, ready to hold, convert or pay out.

Hosted checkout Payment links Recurring billing
Explore card payments →
Built for

Whatever you're building, it runs on Orb.

01

Global payouts

Pay creators, sellers and contractors wherever they are.

02

Remittances

Land money home in seconds, straight to bank or wallet.

03

Payroll

Run international payroll in local currency, on time.

04

Embedded finance

Give your users multi-currency accounts inside your product.

05

B2B payments

Take card payments from customers and settle suppliers across borders without wires.

06

Treasury

Hold, convert and rebalance currencies at interbank rates.

07

Online checkout

Accept cards on your site or app and get paid in the currency you want.

08

Subscriptions

Bill customers' cards on a schedule, with retries and receipts built in.

API-first

Get paid and pay out in five lines.

A clean REST API with a full sandbox, webhooks for every state change, and KYB, KYC and AML checks automated for you.

  1. 01Connect — get sandbox keys in minutes
  2. 02Integrate — one API for cards, pay-ins, payouts and FX
  3. 03Compliance — KYB, KYC and AML handled
  4. 04Go live — in days, not months
checkout.js
const charge = await orb.charges.create({
  amount: 2400_00, currency: "USD", card: "tok_9Fz" });

await orb.payouts.create({ from: charge.balance,
  destination: { country: "NG", rail: "mobile_money" } });
WEBHOOK EVENTS
charge.succeeded+0s
payout.created+1s
payout.compliance_passed+4s
payout.fx_locked+9s
payout.settled+34s
The network

Deep in the markets other networks skip.

180+
countries reachable
60+
currencies to hold and convert
24/7
settlement, no cut-off times
Rails Visa Mastercard American Express Discover Local cards Bank transfer Mobile money
Corridors Nigeria Kenya Ghana India Philippines Mexico + 174 more countries
Regulated

US-registered. FinCEN-registered MSB.

United StatesUS-registered company
FinCENRegistered Money Services Business
Built with

Running on rails from industry leaders.

Visa
Mastercard
American Express
Discover

Stop losing time. Start moving money on Orb.

Accept cards, hold balances and pay out worldwide. Live in days, not months.